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Platinum Prestige Mastercard Secured Credit Card
Platinum Prestige Mastercard Secured Credit Card
Apply

on First Progress's website

Apply

on First Progress's website

APR
9.99%
Intro APR: N/A
Annual Fee
$49
Rewards
N/A
Intro Bonus Worth: $0

Balance Transfer

N/A

Credit Range

Poor - Good

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Barclaycard Ring™ Mastercard®
Barclaycard Ring™ Mastercard®
Apply

on Barclaycard's website

Apply

on Barclaycard's website

APR
10.24% Variable
Intro APR: N/A
Annual Fee
$0
Rewards
N/A

Balance Transfer

10.24% Variable

Credit Range

Exceptional

A low, variable APR on purchases, balance transfers and cash advances
No annual fee
No balance transfer fees
No foreign transaction fees
Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Free online access to FICO® Credit Score
See additional details for Barclaycard Ring™ Mastercard®
NHL® Discover it® Card
NHL® Discover it® Card
Apply

on Discover's website

Apply

on Discover's website

APR
13.24% - 24.24% Variable
Intro APR: 0% on Purchases for 14 months
Annual Fee
$0
Rewards
5% Cash Back on Rotating Categories

Balance Transfer

0% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No annual fee.
See additional details for NHL® Discover it® Card
Discover it® - Cashback Match™
Discover it® - Cashback Match™
Apply

on Discover's website

Apply

on Discover's website

APR
13.24% - 24.24% Variable
Intro APR: 0% on Purchases for 14 months
Annual Fee
$0
Rewards
5% Cash Back on Rotating Categories

Balance Transfer

0% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
Earn 1% cash back on all other purchases.
INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
Redeem your cash back for any amount, any time. Cash rewards never expire.
Use your rewards instantly at Amazon.com checkout.
No annual fee.
See additional details for Discover it® - Cashback Match™
Discover it® - 18 Month Balance Transfer Offer
Discover it® - 18 Month Balance Transfer Offer
Apply

on Discover's website

Apply

on Discover's website

APR
13.24% - 24.24% Variable
Intro APR: 0% on Purchases for 6 months
Annual Fee
$0
Rewards
5% Cash Back on Rotating Categories

Balance Transfer

0% Intro APR on Balance Transfers for 18 months

Credit Range

Good - Exceptional

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus,1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No annual fee.
Discover it® Miles
Discover it® Miles
Apply

on Discover's website

Apply

on Discover's website

APR
13.24% -24.24% Variable
Intro APR: 0% on Purchases for 14 months
Annual Fee
$0
Rewards
1.5x Miles

Balance Transfer

10.99% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
No Blackout Dates - fly any airline, stay at any hotel.
Redeem your Miles as a statement credit towards travel purchases.
Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No Annual Fee.
See additional details for Discover it® Miles
Discover it® chrome
Discover it® chrome
Apply

on Discover's website

Apply

on Discover's website

APR
13.24% - 24.24% Variable
Intro APR: 0% on Purchases for 14 months
Annual Fee
$0
Rewards
2% Cash Back

Balance Transfer

0% Intro APR on Balance Transfers for 14 months

Credit Range

Good - Exceptional

INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, 1% cash back on all other purchases.
Redeem your cash back for any amount, any time. Cash rewards never expire.
100% U.S. based customer service.
Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
No annual fee.
See additional details for Discover it® chrome
Platinum Select Mastercard Secured Credit Card
Platinum Select Mastercard Secured Credit Card
Apply

on First Progress's website

Apply

on First Progress's website

APR
13.99%
Intro APR: N/A
Annual Fee
$39
Rewards
N/A
Intro Bonus Worth: $0

Balance Transfer

N/A

Credit Range

Poor - Good

No Credit History or Minimum Credit Score Required for Approval
Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
Receive Your Card More Quickly with New Expedited Processing Option
Get Approved Fast - Just Click Below to Start the Process!
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
Apply

on American Express's website

Apply

on American Express's website

APR
14.24% - 25.24% Variable
Intro APR: 0% on Purchases for 15 months
Annual Fee
$0
Rewards
3% Cash Back on Groceries
2% Cash Back on Gas
1% Cash Back on Everyday

Terms Apply

Balance Transfer

0% Intro APR on Balance Transfers for 15 months

Credit Range

Good - Exceptional

$150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
No annual fee.
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Terms Apply.
Wells Fargo Cash Wise Visa® Card
Wells Fargo Cash Wise Visa® Card
Apply

on Wells Fargo's website

Apply

on Wells Fargo's website

APR
14.24% - 26.24% (Variable)
Intro APR: 0% on Purchases for 12 months
Annual Fee
$0
Rewards
1.5% Cash Back on Everyday
Intro Bonus Worth: $200

Balance Transfer

0% Intro APR on Balance Transfers for 12 months

Credit Range

Good - Exceptional

Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
Earn unlimited 1.5% cash rewards on purchases
Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
No category restrictions or sign ups and cash rewards don’t expire as long as your account remains open
Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
0% Intro APR for 12 months on purchases and balance transfers, then a 14.24%-26.24% variable APR; balance transfer fees apply
$0 Annual Fee
Select "Apply Now" to learn more about the product features, terms, and conditions
See additional details for Wells Fargo Cash Wise Visa® Card
Discover it® for Students
Discover it® for Students
Apply

on Discover's website

Apply

on Discover's website

APR
14.24% - 23.24% Variable
Intro APR: 0% on Purchases for 6 months
Annual Fee
$0
Rewards
5% Cash Back on Rotating Categories

Balance Transfer

10.99% Intro APR on Balance Transfers for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.24% - 23.24%.
See additional details for Discover it® for Students
Discover it® chrome for Students
Discover it® chrome for Students
Apply

on Discover's website

Apply

on Discover's website

APR
14.24% - 23.24% Variable
Intro APR: 0% on Purchases for 6 months
Annual Fee
$0
Rewards
2% Cash Back

Balance Transfer

10.99% Intro APR on Balance Transfers for 6 months

Credit Range

Fair

Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. Plus, 1% cash back on all other purchases.
Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.24% - 23.24%.
See additional details for Discover it® chrome for Students
The Amex EveryDay® Credit Card from American Express
The Amex EveryDay® Credit Card from American Express
Apply

on American Express's website

Apply

on American Express's website

APR
14.24% - 25.24% Variable
Intro APR: 0% on Purchases for 15 months
Annual Fee
$0
Rewards
2x Points on Groceries
1x Points on Everyday

Terms Apply

Balance Transfer

0% Intro APR on Balance Transfers for 15 months

Credit Range

Good - Exceptional

Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
$0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
No annual fee.
2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
Terms Apply.
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
Apply

on American Express's website

Apply

on American Express's website

APR
14.24% - 25.24% Variable
Intro APR: 0% on Purchases for 12 months
Annual Fee
$95
Rewards
6% Cash Back on Groceries
3% Cash Back on Gas
1% Cash Back on Everyday

Terms Apply

Balance Transfer

0% Intro APR on Balance Transfers for 12 months

Credit Range

Good - Exceptional

$200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.24% to 25.24%.
Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
$95 annual fee.
Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
Terms Apply.
Citi® Double Cash Card
Citi® Double Cash Card
Apply

on Citibank's website

Apply

on Citibank's website

APR
14.74% - 24.74% Variable
Intro APR: 0% on Balance Transfers for 18 months
Annual Fee
$0
Rewards
1-2% Cash Back

Balance Transfer

14.74% - 24.74% Variable

Credit Range

Good - Exceptional

Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Balance transfers do not earn cash back
0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.74% - 24.74% based on your creditworthiness*
Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Balance transfers must be completed within 4 months of account opening.
No categories to track, no caps on cash back, no annual fee*
See additional details for Citi® Double Cash Card
Citi Simplicity® Card
Citi Simplicity® Card
Apply

on Citibank's website

Apply

on Citibank's website

APR
15.24% - 25.24% Variable
Intro APR: 0% on Purchases and Balance Transfers for 18 months
Annual Fee
$0
Rewards
N/A

Balance Transfer

0% Intro APR on Balance Transfers for 18 months

Credit Range

Good - Exceptional

The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee... EVER
0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
The same great rate for all balances, after the introductory period
Save time when you call with fast, personal help, 24 hours a day - just say "representative"
Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
See additional details for Citi Simplicity® Card

Advertiser Disclosure: The credit card offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer's website. Once you click apply you will be directed to the issuer's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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Low interest credit card basics

What APR is and how it works

APR, or the annual percentage rate, is the interest rate you pay when you borrow against your credit card’s credit limit. If your interest rate is 18%, then dividing by 365 days would yield a daily rate of 0.0493%. The balance you have on your credit card would be charged interest daily until the balance is paid off. If you had a $500 balance and paid $100 when the bill was due 30 days later, then you could pay $7.40 in interest. But, if you paid this same balance 12 days in, then you could pay $6.51 in interest for that month. Since interest is charged at a daily rate, the sooner you pay, the less interest is accumulated. Most issuers will not charge any interest if the balance is completely paid off at the end of the billing cycle.

Fixed and Variable APRs

Credit cards can use both fixed and variable APRs. When an APR is fixed, then that interest percentage does not change, unless an event occurs such as an expiration of a promotional APR, the triggering of a penalty APR, or if the issuer notifies in writing of changes to the services agreement, including APR increases. Variable APRs change more frequently, since they are based on the Prime Rate. This rate is based on a survey of banks, who, in turn, make changes based on movements made by the Federal Reserve.

Types of low interest credit cards

Low interest credit card offers come in two different varieties. The first is for new purchases and typically include a low or 0% APR as a promotion, which lasts for a specific amount of time. These types of promotional credit cards can be a good option when purchasing an expensive item, such as a major appliance, where you could spread the payments over multiple months. The other involves balance transfer promotions and can include a low or 0% APR when you transfer a balance from an old credit card to the new card. These can be helpful when responsibly used to pay down existing credit card debt.

What a "Schumer box" is

Sometimes called a “summary box”, it will display an outline of the costs associated with a credit card. This visually distinct box is the same format that is accompanied with all credit card offers, and was meant to make comparisons easier. The information found in this box includes:

  • Promotional APRs: For both purchases and balance transfers, the APRs and promotional periods are listed. Some issuers may not provide promotions for each and will often provide promotional APRs for purchases only or balance transfers only. When the promotional period begins could be different as well, such as the period starting from the first purchase date or balance transfer date.
  • Standard APRs for purchases, balance transfers, and cash advances: This section will provide the APR range that is available based on creditworthiness, and will also list any variable or fixed APRs. APRs may differ significantly based on the type of transaction: new purchases, balance transfers, and cash advances.
  • Penalty APRs: This section will list the penalty APR associated with late or missed payments, or even payments below the monthly minimum payment. It can also describe when these penalty APRs are applied.
  • How to avoid paying interest on purchases: The applicable conditions to avoid paying interest will be listed here. Typically, most issuers will not charge interest as long as the balance is paid before the end of the billing cycle.
  • Minimum interest charge: Oftentimes, this states the minimum amount that the issuer will charge for interest. For example, if this minimum charge was $0.50 and you carried over a $1.00 balance, then you would not be charged any interest, since interest for that $1.00 could be 1.5 cents for that billing month with an average APR.
  • Set up and maintenance fees: This section will list any additional service fees, such as annual fees, account set up fees, fees for requesting additional cards, fees for requesting a credit limit increase, fees for re-opening an account, paper statement fees, alternative payment fees, and a participation fees, which could be added when requesting to add an authorized user.
  • Transaction fees: This area will list the fees for balance transfers, cash advances, and foreign transactions. These fees can be a dollar amount or a percentage based on the amount of the transaction.
  • Penalty fees: These include fees for late payments, going over the credit limit, and returned payments.

1Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More.